Crohns Disease

Affordable Life Insurance with Chron's Disease

There are plenty of affordable options to get you the life insurance protection that your family deserves. While Crohn’s Disease is a serious medical condition, just having this disease isn’t enough to disqualify you from getting approved for life insurance.

The cheapest life insurance with crohns disease rates and coverage for you depends on the severity of your disease and your personal situation. In this article, we will look at the life insurance underwriting guidelines for people with Crohn’s Disease so you know your insurance options.

Life Insurance with Crohn’s Disease

There are dozens of different factors that could impact your life insurance plan. If you are suffering from Crohn’s Disease, you may think your medical condition will prevent you from ever getting life insurance.

Does Crohn's Affect Life Insurance?

Your Crohn’s disease information isn’t going to be the only factor that the life insurance company looks at when deciding to insure you or not. Additionally, they are going to want a full overview of your health.

You’ll want to disclose any and all medications to your agent or underwriter as soon as you can, especially on the application itself. If an insurance underwriter doesn’t have a complete picture of your condition, your chances of a rated policy or a rejection go way up.

Common medications for Crohn’s Disease include:

Aminosalicylates

Corticosteroids

Antibiotics

Immunomodulators

Biologic Therapies

Other Factors Affecting Life Insurance Rates with Chrons Disease

Thought it does depend on other factors, none of these should be an immediate declination.

This will include your heart rate, blood pressure, weight, and much more. After the application process, expect to provide blood and urine samples by way of an exam before any further underwriting can be completed.

Life Insurance Quote Ratings With Crohn’s Disease

While Crohn’s Disease is a chronic condition, it is usually not fatal. This is why applicants with this disease can typically qualify for life insurance.

It’s only when the disease is severe enough to cause frequent diarrhea, weight loss, and inflammation of the kidneys and livers that applicants run into high risk life insurance problems as these issues can lead to other serious health risks.

Your life insurance quote depends on your answers to the questions above as well as your insurer’s underwriting guidelines.